Best Auto Insurance for Papa John’s Pizza Delivery Drivers in 2025 (Top 10 Companies)

The best auto insurance for Papa John’s pizza delivery drivers comes from Progressive, State Farm, and American Family. Rates start at $64/month from Progressive.

Progressive offers customizable policies for delivery drivers, and State Farm provides strong customer service and discounts. Find out how much you can save with a claims-free discount.

Our Top 10 Company Picks: Best Auto Insurance for Papa John's Pizza Delivery Drivers

At the same time, American Family specializes in coverage for high-risk drivers. These companies are known for balancing affordability with reliable coverage tailored to delivery needs.

Finding affordable car insurance doesn’t have to be a challenge. Enter your ZIP code into our free comparison tool to find the lowest rates in your area.

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#1 – Progressive: Overall Top Pick

Pros

• Affordable Options: Progressive makes it easier to save money, offering rates as low as $64 a month for Papa John’s delivery drivers who only need basic coverage.
• Strong Coverage Options: They offer dependable coverage that works well for many delivery drivers, giving them peace of mind while they’re on the road.
• Customizable Plans: You can change your plan to match what you need, which is great for Papa John’s delivery drivers who want coverage that works best for them.

Cons

• Limited Discounts: While the rates are affordable, Progressive offers fewer discounts than other companies, so delivery drivers might not save as much.
• Claims Process: Some delivery drivers have said that Progressive’s claims process can be slower than that of other providers. For more details, read this Progressive Auto Insurance Review.

#2 – State Farm: Best for Delivery-Driver Options

Pros

• Tailored for Delivery Drivers: State Farm has great options made just for delivery drivers, like roadside assistance and accident forgiveness.
• Affordable Premiums: Papa John’s delivery drivers can get minimum coverage starting at just $60/month, which gives a good mix of coverage without breaking the bank.
• Lots of Local Support: With so many agents, they offer personalized service and support for pizza delivery drivers. Want more info? Just click on this State Farm Insurance Review.

Cons

• Higher Full Coverage Costs: While minimum coverage is affordable, full coverage might be a bit more expensive, which could be too much for some delivery drivers.
• Fewer Discounts Without Bundling: If you don’t bundle with other policies, you may not get as many discounts as with some other companies.

#3 – American Family: Best for KnowYourDrive Program

Pros

• Safe Driving Rewards: American Family’s KnowYourDrive program gives discounts for safe driving, which is excellent for Papa John’s delivery drivers who are careful on the road.
• Competitive Rates: American Family offers good prices for delivery drivers, with minimum coverage starting at only $60/month. Find out more in our American Family Auto Insurance Review.
• Helpful Customer Support: The American Family is known for its great customer service and is always ready to help delivery drivers whenever they need it.

Cons

• Not Available Everywhere: American Family might not offered in every state, which could be a problem for some delivery drivers.
• Extra Costs for Coverage: If delivery drivers want more protection, adding extra coverage can make the policy more expensive.

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#4 – Nationwide: Best for Multi-Vehicle Households

Pros

• Multi-Vehicle Household Savings: Nationwide minimum coverage starts at $61/month, and if you have more than one car, you can get discounts, which is great for drivers with multiple vehicles.
• Lots of Coverage Options: They offer a wide range of coverage to keep delivery drivers safe on the road, no matter what happens. Check this Nationwide Insurance Review for more info.
• Top-Notch Customer Service: Nationwide is known for great customer service, so it’s easy for Papa John’s delivery drivers to get help when something goes wrong.

Cons

• Fewer Savings for Drivers: Papa John’s pizza delivery drivers who only have one vehicle might not get as many discounts as other delivery drivers with multiple cars.
• Higher Deductibles: Nationwide may require delivery drivers to pay a higher deductible if they go for full coverage.

#5 – Geico: Best for Low-Cost Policies

Pros

• Reasonable Costs: Geico is great for saving money, with rates starting at just $59/month for minimum coverage. It’s one of the lowest options for Papa John’s delivery drivers.
• Easy to Use: Geico makes things simple with easy-to-use online tools. Delivery drivers can manage policy and file claims without any stress. Learn more details in this Geico Auto Insurance Review.
• Great Customer Service: Geico has great customer service reviews, and delivery drivers can expect fast and helpful support whenever they need it.

Cons

• Limited Delivery-Specific Coverage: Geico doesn’t offer as many options specifically designed for delivery drivers as other companies do.
• Basic Plans: Basic coverage might not include all the extra protections that delivery drivers need, they have to pay extra for more coverage.

#6 – Erie: Best for Full Coverage

Pros

• Great Full Coverage Options: Erie offers solid full coverage, which is perfect for Papa John’s drivers who want extra protection against accidents and damages on the road.
• Low Costs: Erie’s minimum coverage starts at $55/month. It is one of the best choices for delivery drivers looking for the lowest coverage with good protection.
• Flexible Payment Plans: Erie allows you to pay in ways that work best for you, making it easier to fit the cost into your budget without stress.

Cons

• Not Available Everywhere: Erie isn’t available in all states, so some drivers might be unable to use it where they live or work. Get more info about the company in this Erie Auto Insurance Review.
• Slow Customer Service Response: Some drivers have mentioned that Erie’s customer support can take a little longer to answer, especially during peak times.

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#7 – Liberty Mutual: Best for Home-Auto Bundling

Pros

• Save with Bundling: Liberty Mutual gives great discounts when delivery drivers bundle their home and auto insurance, which can help them save some money.
• Complete Coverage: They offer full coverage for car and delivery jobs, protecting delivery drivers while they’re on the road at $66/month.
• Convenient App: Their app makes it easy for delivery drivers to manage their policies and file claims, which is great for busy drivers. For more info, visit this Liberty Mutual Insurance Review.

Cons

• Higher Premiums: Liberty Mutual’s rates could be higher than those of other companies, so it might not be the lowest choice for delivery drivers.
• Limited Availability: Liberty Mutual doesn’t offer coverage in every state, so delivery drivers will find another insurance provider if unavailable.

#8 – Mercury: Best for Rideshare Add-Ons

Pros

• Extra Tips for Drivers: Mercury offers special coverage made just for delivery and rideshare drivers. It’s a great choice if you deliver Papa John’s pizza.
• Affordable Rates: At $62/month, Mercury keeps insurance costs low, making it easier for delivery drivers’ wallets. Learn more about their rates in this Mercury Auto Insurance Review.
• Customizable Plans: Papa John’s pizza delivery drivers can adjust their coverage to fit what they need, giving them more flexibility while delivering pizza.

Cons

• Limited Network of Agents: Mercury might not have many agents, so it could be harder for delivery drivers to get help locally.
• May Require Higher Deductibles: Some delivery drivers report that Mercury’s deductibles can be higher than other providers offer.

#9 – Allstate: Best for Claims Service

Pros

• Quick Help When Needed: Allstate is great at quickly handling claims, which is really important for delivery drivers who need support right after an accident.
• Solid Coverage: Allstate provides comprehensive collision coverage, ensuring Papa John’s pizza delivery drivers are well-covered and protected while delivering.
• Flexible Payment Options: Allstate offers delivery drivers different payment options, making it easier to find a plan that fits their budgets at $68/month.

Cons

• Higher Rates: Allstate can be more expensive, so it might not be the best option for delivery drivers trying to save money. Discover more in this Allstate Auto Insurance Review.
• Fewer Discounts: They offer some discounts, but not as many as other companies, so delivery drivers might not save a lot.

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#10 – Auto-Owners: Best for Teen Drivers

Pros

• Great Rates for Teens: Auto-Owners offers some of the best prices for young drivers, starting at $63/month, which is perfect for younger Papa John’s delivery drivers.
• Comprehensive Coverage: They provide comprehensive coverage options for delivery drivers of all ages, so you’re well-protected while on the road delivering pizzas.
• Helpful Customer Service: Auto-Owners is known for its friendly and helpful customer support, which makes getting help with delivery drivers’ insurance easy.

Cons

• Limited Availability: Auto-Owners aren’t available in every state, so not all delivery drivers can sign up. Our Auto-Owners Auto Insurance Review reveals more info.
• Higher Rates for Seniors: Older delivery drivers may face higher rates than younger delivery drivers for the same coverage.

Auto Insurance Coverage for Delivery Driver Accidents

If you’re a delivery driver, your regular personal car insurance might not cover you while you’re out on deliveries. That’s because personal insurance is made for regular driving, not for business use. So, if you’re using your car to deliver food, packages, or anything else, you might be left without coverage if something happens.

Papa John's Pizza Delivery Drivers Auto Insurance Monthly Rates by Provider & Coverage Level

You’ll need to add commercial auto insurance to stay protected while making deliveries, but there’s no need to search for a special delivery driver insurance company. In most cases, you can add the necessary coverage to your policy. Call your agent, ask about discounts, and they’ll guide you to the right solution.

Auto Insurance Discounts From the Top Providers for Papa John's Pizza Delivery Drivers

This auto insurance coverage option is crucial to avoid paying for damages or injuries out of pocket in case of an accident while on the job. Delivery driving can be unpredictable, so being prepared with proper insurance is a smart move. Your agent will help you understand your options and make sure you’re fully covered, offering peace of mind as you work.

The Cost of Commercial Auto Insurance

When you add commercial auto insurance, your rates will go up. That’s because commercial insurance usually costs more than regular car insurance. It’s good to know how much extra you might pay, depending on what kind of vehicle you have. The price can be different, whether it’s a small car, a van, or a big truck.

Monthly Commercial Auto Insurance Rates by Vehicle & Coverage Type

Insurance for smaller vehicles, like cars or vans, is generally more affordable as they’re often used for local deliveries or light tasks like running errands. Their lower risk compared to larger vehicles helps keep rates down, though they’re still typically higher than personal auto policies. Shopping around remains key to finding the best deal.

Larger vehicles, such as trucks or fleets, come with higher insurance rates due to their increased risks. These vehicles are frequently used for heavier work or carrying larger loads, which raises the likelihood of accidents or damage. The more your vehicle is on the road and the heavier its loads, the greater the associated risks, leading to higher premiums.

The nature of your business also impacts your insurance costs. Businesses involving long-distance transport or specialized vehicles typically face higher rates due to the added risks. Understanding how your specific business operations affect your insurance can help you make informed decisions and find the best coverage for your needs.

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Importance of Liability Insurance for Delivering Papa John’s Pizza

Auto liability insurance is a must-have for delivering pizzas for Papa John’s. Being on the road frequently increases the chances of accidents, and without insurance, you could face hefty costs for damages or injuries. This essential coverage helps protect you from financial strain and is something every delivery driver should prioritize.

The financial consequences could be severe if you cause an accident without auto liability insurance. This insurance covers costs like property damage, medical bills, and even potential lawsuits. By knowing the pizza delivery insurance costs, you’re not left shouldering expenses for something unintentional, giving you peace of mind while on the job.

Papa John’s requires drivers to have auto liability insurance to protect both the company and its employees. Without it, you could be personally responsible for damages, jeopardizing your job and financial security. Ensuring you have the right coverage means one less worry as you focus on delivering great service.

Read more: Auto Insurance Coverage: What events are and are not covered by your policy?

Requirements for Delivering Papa John’s Pizza

You must know a few things to drive for Papa John’s Pizza. First, you must have the best delivery insurance. Papa John’s wants to ensure you’re covered if something happens while you’re on the job. They’ll check your insurance to make sure it meets their standards before you can drive for them.

Having a solid record helps show you’re trustworthy behind the wheel.. It can help you stand out and increase your chances of getting the job. That way, you’ll have a better chance of getting the job! It’s always a good idea to monitor your driving record to ensure it stays clean and up-to-date. They’ll also check your driving record to see if you’ve had any major accidents or tickets.

Stress? Gone. Money? Saved. Protect your dreams under our roof by bundling home and auto today! https://t.co/91ZZlwj7F1 pic.twitter.com/ukNSUszqs8

— American Family Insurance (@amfam) October 11, 2023

So, before you apply, it’s smart to make sure your driving history looks good. It can make a big difference when it comes to getting hired. Papa John’s may also ask you to take a random drug test. This helps them ensure all their drivers are sober and safe while working. It’s just a way to keep everyone on the road protected. You should keep in mind that you should be ready for a possible drug test when applying. Learn more about Delivery.com auto insurance.

Case Studies: Finding the Best Auto Insurance for Papa John’s Drivers

Here are three stories of Papa John’s delivery drivers who found the right car insurance. Each one picked a plan that worked best for them, giving you a good idea of what options are available for delivery drivers. Compare auto insurance companies here.

Case Study #1: Joe’s Affordable Coverage

Joe delivered pizzas for Papa John’s and needed insurance covering him while working. He went with Progressive because it gave him solid protection at an affordable price. His plan included liability coverage, car damage protection, and medical coverage for accidents on the job. Now, Joe feels secure and ready to deliver with peace of mind.

Case Study #2: Simon’s Full-Time Coverage

Simon works full-time delivering pizzas for Papa John’s and spends much time driving. He needed extra protection, so he chose State Farm. They offered a delivery driver endorsement covering his car and any injuries while on the job. Plus, the plan included roadside assistance, which gave Simon extra peace of mind while driving.

Case Study #3: Mike’s Customized Plan

Mike delivers part-time for Papa John’s and wants more coverage for his car and accidents while working. He chose the American Family because they let him customize his plan. His policy had higher liability limits and full coverage, which made him feel safe, especially on late-night deliveries.

These case studies show how Papa John’s drivers found the right auto insurance to meet their needs. Whether it’s affordable coverage, extra protection, or customizable plans, these drivers choose options that provide peace of mind while delivering.

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What to Remember When Choosing Auto Insurance for Delivery Drivers

Picking the right car insurance for food delivery drivers is essential to stay safe and covered. Companies like Progressive, State Farm, and American Family offer plans designed for delivery drivers, covering liability, personal injury, and car damage.

When choosing a policy, consider cost, coverage, and how much protection you need. This will help you make a smart choice and give you peace of mind while you’re on the road. No matter which insurance company you pick, the most important thing is making sure your policy covers everything you need for your delivery job as a Papa John’s driver.

Now that you know what you need to be a delivery driver, it’s time to make sure you have the best auto insurance for Papa John’s pizza delivery drivers. Use our free comparison tool to see what auto insurance quotes look like in your area.

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